urgent help needed

Others 601 views 5 replies

swaminathan

39 Points Joined January 2010

Hi,

I approached a bank for personal loan and all documents were provided by june 12th.But it seems the application was logged in only by july 9th.Unfortunately i moved on to a new location on july 7th.Address Verification was done on july 11th.Now the officials are threatening me with false address proof charges and raise this issue with my employee company.I tried negotiating but they are harsh on me.Pls provide me some possible action i can take.I had no intentions to provide any false information.My loan has not been sanctioned yet but still they want to raise it legally.What shall i do? one more thing,the application form was not signed by me.The bank officials signed it.

Replies (5)

Harpreet

* * * * * *

1670 Points Joined March 2008

If ur address proof seems false then the bank will not finance the fund to u and y they raise the same legally. just ignore and tell them i dont need the loan from u. And if u r right person then y u bother urself yaar. just chill bcoz they didnt finance the fund to you.

Guest

Originally posted by : Harpreet
	If ur address proof seems false then the bank will not finance the fund to u and y they raise the same legally. just ignore and tell them i dont need the loan from u. And if u r right person then y u bother urself yaar. just chill bcoz they didnt finance the fund to you.

swaminathan

39 Points Joined January 2010

Thanks for ur reply.The thing is not about the loan alone.The official said something like they will provide negative feedback to a database that can be viewed among other banks.So i wont be able to avail loan again from any of the banks.This is what am afraid of.I dont know if this is true.Can someone clear out if this is what the bank officials do on such cases? What should i do now so that i dont get any negative feedbacks?

Arun Kumar Sharma

000

23 Points Joined September 2009

No need to worry dear as you have not taken the loan. The thing is there is a database of willfull defaulters maintained by RBI and banks approach them only incase of any default. As such U have not done any default . Moreover as U mentioned U have not signed on it So there arises no question of any legal action.

Even if they threaten you , U can write to the BANKING OMBUDSMAN of RBI at your nearest regional office They will take care of it

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